A Business at a Glance
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Community West Bancshares
CWBC
$477M
Mkt Cap
$25.00
-6.09%
Community West Bancshares (CWBC) has a current P/E ratio of 13.7, compared to its historical median P/E of 10.0. The stock is currently considered Fair based on its historical valuation range.
Community West Bancshares (CWBC) has a 5-year average return on invested capital (ROIC) of 8.9%. This is below average and may indicate limited pricing power.
Community West Bancshares (CWBC) has a market capitalization of $477M. It is classified as a small-cap stock.
Yes, Community West Bancshares (CWBC) pays a dividend with a trailing twelve-month yield of 1.92%. The company also returns capital through share buybacks, with a buyback yield of 0.03%.
Based on historical P/E analysis, Community West Bancshares (CWBC) appears fair. The current P/E of 13.7 is 37% above its historical median of 10.0. The estimated fair value CAGR (P/E method) is -3.7%.
Community West Bancshares (CWBC) operates in the State Commercial Banks industry, within the Financials sector.
Community West Bancshares (CWBC) reported annual revenue of $196 million in its most recent fiscal year, based on SEC EDGAR filings.
Effective April 1, 2024, Central Valley Community Bancorp, completed its merger transaction with Community West Bancshares. Shortly thereafter, Community West Bank, a wholly owned subsidiary of Community West Bancshares, merged with and into Central Valley Community Bank, a wholly owned subsidiary of Central Valley Community Bancorp, with Central Valley Community Bank being the surviving banking institution. Effective with these mergers, the names of Central Valley Community Bancorp and Central Valley Community Bank were changed to Community West Bancshares and Community West Bank, respectively. Community West Bancshares is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (the “Company”). The Company was incorporated on February 7, 2000 as a California corporation, for the purpose of becoming the holding company for Community West Bank (the “Bank”), formerly known as Central Valley Community Bank, a California state chartered bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 196M | 196M | 167M | 109M | 88M | 83M |
| Net Income | 38M | 38M | 7.7M | 26M | 27M | 28M |
| EPS | $2.00 | $2.00 | $0.45 | $2.17 | $2.27 | $2.31 |
| Free Cash Flow | 44M | 44M | 17M | 18M | 23M | 42M |
| ROIC | 8.0% | 8.4% | 2.2% | 11.4% | 11.8% | 10.8% |
| Gross Margin | 76.4% | 76.4% | 69.0% | 85.5% | 95.0% | 93.2% |
| Debt/Equity | 0.17 | 0.17 | 0.21 | 0.34 | 0.00 | 0.58 |
| Dividends/Share | $0.48 | $0.48 | $0.48 | $0.48 | $0.48 | $0.47 |
| Operating Income | 3.1M | 3.1M | 3.5M | 2.1M | 35M | 1.7M |
| Operating Margin | 1.6% | 1.6% | 2.1% | 1.9% | 39.9% | 2.0% |
| ROE | 9.3% | 9.9% | 2.7% | 13.5% | 12.7% | 11.5% |
| Shares Outstanding | 19M | 19M | 17M | 12M | 12M | 12M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 49M | 51M | 56M | 68M | 75M | 80M | 80M | 83M | 88M | 109M | 167M | 196M | 196M |
| Gross Margin | 81.4% | 96.8% | 87.7% | 96.6% | 97.9% | 95.5% | 93.9% | 93.2% | 95.0% | 85.5% | 69.0% | 76.4% | 76.4% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 20M | 21M | 22M | 25M | 26M | 27M | 29M | 29M | 29M | 31M | 48M | 50M | 50M |
| EBIT | 1.3M | 1.5M | 1.5M | 1.8M | 2.1M | 1.7M | 2.8M | 1.7M | 35M | 2.1M | 3.5M | 3.1M | 3.1M |
| Op. Margin | 2.6% | 2.9% | 2.6% | 2.6% | 2.8% | 2.2% | 3.5% | 2.0% | 39.9% | 1.9% | 2.1% | 1.6% | 1.6% |
| Net Income | 5.3M | 11M | 15M | 14M | 21M | 21M | 20M | 28M | 27M | 26M | 7.7M | 38M | 38M |
| Net Margin | 10.8% | 21.4% | 27.0% | 20.6% | 28.6% | 26.9% | 25.5% | 34.3% | 30.3% | 23.3% | 4.6% | 19.5% | 19.5% |
| Non-Recurring | -201K | -6K | -4K | 0 | -2K | 0 | 6K | 8K | 15K | 402K | 7K | -40K | -40K |
| Returns on Capital | |||||||||||||
| ROIC | 4.2% | 8.1% | 10.0% | 7.5% | 9.9% | 9.6% | 8.6% | 10.8% | 11.8% | 11.4% | 2.2% | 8.4% | 8.0% |
| ROE | 4.2% | 8.1% | 10.0% | 7.5% | 9.9% | 9.6% | 8.6% | 11.5% | 12.7% | 13.5% | 2.7% | 9.9% | 9.3% |
| ROA | 0.5% | 0.9% | 1.1% | 0.9% | 1.3% | 1.4% | 1.1% | 1.3% | 1.1% | 1.1% | 0.3% | 1.1% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 17M | 18M | 13M | 25M | 30M | 22M | 17M | 43M | 24M | 28M | 22M | 46M | 46M |
| Free Cash Flow | 16M | 17M | 12M | 24M | 29M | 21M | 15M | 42M | 23M | 18M | 17M | 44M | 44M |
| Owner Earnings | 16M | 16M | 11M | 23M | 28M | 19M | 16M | 41M | 22M | 26M | 19M | 42M | 42M |
| CapEx | 1.3M | 741K | 861K | 859K | 791K | 876K | 1.5M | 1.0M | 362K | 9.8M | 5.0M | 2.5M | 2.5M |
| Maint. CapEx | 1.4M | 1.4M | 1.3M | 1.4M | 1.7M | 1.7M | 881K | 897K | 755K | 891K | 2.2M | 3.3M | 3.3M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 611K | 152K | 0 | 8.9M | 2.8M | 0 | 0 |
| D&A | 1.4M | 1.4M | 1.3M | 1.4M | 1.7M | 1.7M | 881K | 897K | 755K | 891K | 2.2M | 3.3M | 3.3M |
| CapEx/OCF | 7.7% | 4.2% | 6.6% | 3.4% | 2.6% | 4.0% | 8.8% | 2.4% | 1.5% | 35.6% | 22.7% | N/A | 5.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.2M | 2.0M | 2.7M | 3.0M | 4.3M | 5.8M | 5.5M | 5.8M | 5.6M | 5.7M | 8.2M | 9.2M | 9.2M |
| Dividend Yield | 2.2% | 2.1% | 2.1% | 1.4% | 1.8% | 2.5% | 3.5% | 2.6% | 2.7% | 2.9% | 2.6% | N/A | 1.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 894K | 16M | 11M | 14M | 6.8M | 1K | 38K | 151K | 151K |
| Buyback Yield | N/A | N/A | N/A | N/A | 0.4% | 6.3% | 6.5% | 5.9% | 3.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | 173K | 238K | 284K | 384K | 482K | 555K | 470K | 562K | 776K | 858K | 879K | 1.2M | 1.2M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -37M | -55M | 1.4M | -596M | -456M | -453M | -670M | -1.1B | -680M | -580M | -522M | -519M | -49M |
| Cash & Equiv. | 77M | 95M | 39M | 100M | 32M | 53M | 70M | 163M | 31M | 54M | 120M | 119M | 119M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 34M | 0 | 70M | 70M | 70M | 70M |
| Debt/Equity | 0.31 | 0.29 | 0.24 | 0.19 | 0.18 | 0.31 | 0.45 | 0.58 | 0.00 | 0.34 | 0.21 | 0.17 | 0.17 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 131M | 139M | 164M | 210M | 220M | 228M | 245M | 248M | 171M | 207M | 363M | 410M | 410M |
| Total Assets | 1.2B | 1.3B | 1.4B | 1.7B | 1.5B | 1.6B | 2.0B | 2.5B | 2.4B | 2.4B | 3.5B | 3.7B | 3.7B |
| Total Liabilities | 1.1B | 1.1B | 1.3B | 1.5B | 1.3B | 1.4B | 1.8B | 2.2B | 2.2B | 2.2B | 3.2B | 3.3B | 3.3B |
| Intangibles | 1.3M | 1.0M | 1.4M | 3.0M | 2.6M | 1.9M | 1.2M | 522K | 68K | 0 | 9.3M | 8.3M | 8.3M |
| Retained Earnings | 71M | 80M | 93M | 103M | 120M | 136M | 151M | 173M | 194M | 211M | 210M | 239M | 239M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.48 | 1.00 | 1.33 | 1.10 | 1.54 | 1.59 | 1.62 | 2.31 | 2.27 | 2.17 | 0.45 | 2.00 | 2.00 |
| Owner EPS | 1.42 | 1.45 | 1.00 | 1.84 | 2.01 | 1.44 | 1.25 | 3.37 | 1.89 | 2.19 | 1.12 | 2.18 | 2.18 |
| Book Value | 11.88 | 12.71 | 14.37 | 16.43 | 15.90 | 16.92 | 19.51 | 20.16 | 14.56 | 17.60 | 21.29 | 21.46 | 21.46 |
| Cash Flow/Share | 1.56 | 1.60 | 1.14 | 1.98 | 2.16 | 1.61 | 1.35 | 3.49 | 2.02 | 2.34 | 1.30 | 2.42 | 2.17 |
| Dividends/Share | 0.20 | 0.18 | 0.24 | 0.24 | 0.31 | 0.43 | 0.44 | 0.47 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 |
| Shares Out. | 11.0M | 11.0M | 11.4M | 12.8M | 13.8M | 13.5M | 12.6M | 12.3M | 11.7M | 11.8M | 17.0M | 19.1M | 19.1M |
| Valuation | |||||||||||||
| P/E Ratio | 17.8 | 9.2 | 12.1 | 14.8 | 10.0 | 11.6 | 8.4 | 8.2 | 8.5 | 9.8 | 41.8 | N/A | 12.5 |
| P/FCF | 5.9 | 6.0 | 15.1 | 8.5 | 7.3 | 11.9 | 11.0 | 5.5 | 9.7 | 14.1 | 18.7 | N/A | 10.9 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 125.2 | 72.1 | N/A | 138.2 |
| Price/Book | 0.7 | 0.7 | 1.1 | 1.0 | 1.0 | 1.1 | 0.7 | 0.9 | 1.3 | 1.2 | 0.9 | N/A | 1.2 |
| Price/Sales | 2.0 | 1.9 | 2.3 | 3.2 | 3.2 | 3.0 | 2.0 | 2.7 | 2.4 | 2.2 | 2.7 | N/A | 2.4 |
| FCF Yield | 16.8% | 16.6% | 6.6% | 11.7% | 13.7% | 8.4% | 9.1% | 18.1% | 10.3% | 7.1% | 5.3% | N/A | 9.1% |
| Market Cap | 94M | 101M | 183M | 208M | 213M | 249M | 170M | 232M | 227M | 250M | 321M | 0 | 477M |
| Avg. Price | 8.90 | 8.80 | 11.24 | 16.90 | 17.03 | 17.03 | 12.74 | 17.77 | 17.61 | 16.67 | 18.34 | 0.00 | 25.00 |
| Year-End Price | 8.54 | 9.24 | 16.05 | 16.33 | 15.41 | 18.46 | 13.55 | 18.84 | 19.31 | 21.24 | 18.83 | 0.00 | 25.00 |
Community West Bancshares passes 3 of 9 quality checks, indicating weak fundamentals.
Community West Bancshares trades at 13.7x trailing earnings, compared to its 15-year median P/E of 10.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.3x vs a median of 11.0x. The company's 5-year average ROIC is 8.9% with a gross margin of 83.8%. Total shareholder yield (dividends) is 2.0%. At current prices, the estimated annualized return to fair value is -4.0%.
Community West Bancshares (CWBC) has a net profit margin of 19.5%. This is a healthy margin.
Community West Bancshares (CWBC) generated $44 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Community West Bancshares (CWBC) has a debt-to-equity ratio of 0.17. This indicates a conservatively financed balance sheet.
Community West Bancshares (CWBC) reported earnings per share (EPS) of $2.00 in its most recent fiscal year.
Community West Bancshares (CWBC) has a return on equity (ROE) of 9.9%. This indicates moderate shareholder returns.
Community West Bancshares (CWBC) has a 5-year average gross margin of 83.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for Community West Bancshares (CWBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Community West Bancshares (CWBC) has a book value per share of $21.46, based on its most recent annual SEC filing.